695 Lake Saint Clair Dr, Winchester, VA 22603 Property Records

Frederick County property record for 695 Lake Saint Clair Dr, Winchester, VA 22603

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,961 sqft · built 1972
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,519 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31A1-8`

Property Details

APN / Parcel Number

Primary APN	`31A1-8`
Alternative APN	`8005780`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,961 sqft Living Area
Gross Area	6,675 sqft
1st Floor Area	1,961 sqft
Basement Area	1,961 sqft
Finished Basement	1,961 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Area	899 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	411 sqft
Deck Area	652 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	8005780
Street Address	695 LAKE SAINT CLAIR DR
City	WINCHESTER
State	VA
Zip	22603-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LAKE ST. CLAIR L8 1.00 ACRE
Legal Subdivision	222
Legal Lot Number	8
Jurisdiction	FREDERICK VA
Township / Civil Division	GAINESBORO
Census Block Group	2
Census Block	2003
Census Tract	50200

Owner

Source: Frederick County records, as of July 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	695 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK VA
Recording Date	Jan 10, 2019
Property Address	695 LAKE SAINT CLAIR DR, WINCHESTER, VA 22603-3029
Document Number	0000000288
Instrument Date	Jan 9, 2019
Instrument	288
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	695 LAKE SAINT CLAIR DR WINCHESTER VA 226033029, WINCHESTER, VA 22603-3029

Mortgage

Document Number	289
Date	Jan 10, 2019
Instrument	289

Lender

Name	CITY NAT'L BK/WV
Type	Bank
Address	CROSS LANES, WV 25313

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.65%

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Frederick County
Unified School District	Frederick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$733,200 Land $158,000 Building $575,200	$733,200 Land $158,000 Building $575,200
2025	$3,519.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 3, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2021 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 60% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250